>> part of the problem is the economy itself. we have 12 million people unemployed and 40 percent have been unemploy god more -- unemployed to more than six months. the economy has not been kind or the great recession kind to younger people. a lot is not to be blamed on them. there are some things they can do, a couple of things. they tend to get into the workforce later and not contributing to the 401(k)'s or owning stock and they did not participate in the big bull run. when you get a 401(k) and when you can have an i.r.a., put all the money you can as much as you are allowed to, put it in that. many of them are not buying houses but living with that are parents. but home prices are starting to go up, and buying a home will be good, as well. having a family. they are delaying having family. when you are part of a family you tend to budget better and you are constant because you think of your the rest. these all things that are part of the younger generation but they can change. >>heather: steps they can take to change their per